OBK
Origin Bancorp, Inc.
Banks - Regional
Market Cap$1.46B
5Y Perf.+126.6%
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Stock Comparison
OBK vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
OBK vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OBK | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $1.46B | $611.60B |
| Revenue (TTM) | $599M | $40.00B |
| Net Income (TTM) | $75M | $22.24B |
| Gross Margin | 58.2% | 80.4% |
| Operating Margin | 16.5% | 60.0% |
| Forward P/E | 12.0x | 24.4x |
| Total Debt | $36M | $25.17B |
| Cash & Equiv. | $73M | $20.15B |
OBK vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OBK
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Origin Bancorp, Inc. (OBK) | 100 | 226.6 | +126.6% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OBK vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Origin Bancorp, Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
OBK
Origin Bancorp, Inc.
The Banking Pick
OBK is the clearest fit if your priority is valuation efficiency.
- PEG 1.31 vs V's 1.54
- Lower P/E (12.0x vs 24.4x), PEG 1.31 vs 1.54
- 1.3% yield, 6-year raise streak, vs V's 0.7%
Best for: valuation efficiency
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 328.6% 10Y total return vs OBK's 50.0%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs OBK's -3.0% |
| Value | OBK | Lower P/E (12.0x vs 24.4x), PEG 1.31 vs 1.54 |
| Quality / Margins | V | Efficiency ratio 0.2% vs OBK's 0.4% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs OBK's 0.92 |
| Dividends | OBK | 1.3% yield, 6-year raise streak, vs V's 0.7% |
| Momentum (1Y) | OBK | +48.7% vs V's -7.6% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs OBK's 0.4% |
OBK vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
OBK vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOBKLAGGINGV
VVisa Inc.
2leads
OBKOrigin Bancorp, Inc.
2leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V4/5
Valuation MetricsMultiples, price ratios, and targets
OBK6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
OBK4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 66.8x OBK's $599M. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to OBK's 12.6%.
| Metric | OBKOrigin Bancorp, I… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $599M | $40.0B |
| EBITDAEarnings before interest/tax | $113M | $27.6B |
| Net IncomeAfter-tax profit | $75M | $22.2B |
| Free Cash FlowCash after capex | $149M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +58.2% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +16.5% | +60.0% |
| Net MarginNet income ÷ Revenue | +12.6% | +50.1% |
| FCF MarginFCF ÷ Revenue | +25.2% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +106.5% | +35.3% |
V leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OBK leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 19.7x trailing earnings, OBK trades at a 37% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), V offers better value at 1.97x vs OBK's 2.16x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | OBKOrigin Bancorp, I… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $1.5B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 19.70x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.97x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 2.16x | 1.97x |
| EV / EBITDAEnterprise value multiple | 12.58x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 2.45x | 15.29x |
| Price / BookPrice ÷ Book value/share | 1.18x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 9.70x | 28.35x |
OBK leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $6 for OBK. OBK carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), OBK scores 6/9 vs V's 5/9, reflecting solid financial health.
| Metric | OBKOrigin Bancorp, I… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +6.2% | +58.9% |
| ROA (TTM)Return on assets | +0.8% | +22.7% |
| ROICReturn on invested capital | +5.7% | +29.2% |
| ROCEReturn on capital employed | +2.1% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.03x | 0.66x |
| Net DebtTotal debt minus cash | -$38M | $5.0B |
| Cash & Equiv.Liquid assets | $73M | $20.2B |
| Total DebtShort + long-term debt | $36M | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.48x | 26.72x |
V leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
OBK leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,202 today (with dividends reinvested), compared to $11,206 for OBK. Over the past 12 months, OBK leads with a +48.7% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors OBK at 21.3% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | OBKOrigin Bancorp, I… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +26.0% | -7.8% |
| 1-Year ReturnPast 12 months | +48.7% | -7.6% |
| 3-Year ReturnCumulative with dividends | +78.3% | +40.2% |
| 5-Year ReturnCumulative with dividends | +12.1% | +42.0% |
| 10-Year ReturnCumulative with dividends | +50.0% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +21.3% | +11.9% |
OBK leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — OBK and V each lead in 1 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than OBK's 0.92 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OBK currently trades 98.2% from its 52-week high vs V's 84.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OBKOrigin Bancorp, I… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.92x | 0.68x |
| 52-Week HighHighest price in past year | $48.12 | $375.51 |
| 52-Week LowLowest price in past year | $32.13 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 63.7 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 176K | 7.0M |
Evenly matched — OBK and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — OBK and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates OBK as "Buy" and V as "Buy". Consensus price targets imply 13.7% upside for V (target: $362) vs 8.9% for OBK (target: $52). For income investors, OBK offers the higher dividend yield at 1.29% vs V's 0.74%.
| Metric | OBKOrigin Bancorp, I… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $51.50 | $362.45 |
| # AnalystsCovering analysts | 5 | 61 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +0.7% |
| Dividend StreakConsecutive years of raises | 6 | 15 |
| Dividend / ShareAnnual DPS | $0.61 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +2.2% |
Evenly matched — OBK and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OBK leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallOrigin Bancorp, Inc. (OBK)Leads 2 of 6 categories
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OBK vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OBK or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus -3. 0% for Origin Bancorp, Inc. (OBK). Origin Bancorp, Inc. (OBK) offers the better valuation at 19. 7x trailing P/E (12. 0x forward), making it the more compelling value choice. Analysts rate Origin Bancorp, Inc. (OBK) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OBK or V?
On trailing P/E, Origin Bancorp, Inc.
(OBK) is the cheapest at 19. 7x versus Visa Inc. at 31. 3x. On forward P/E, Origin Bancorp, Inc. is actually cheaper at 12. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Origin Bancorp, Inc. wins at 1. 31x versus Visa Inc. 's 1. 54x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — OBK or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 0%, compared to +12. 1% for Origin Bancorp, Inc. (OBK). Over 10 years, the gap is even starker: V returned +328. 6% versus OBK's +50. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OBK or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Origin Bancorp, Inc. 's 0. 92β — meaning OBK is approximately 36% more volatile than V relative to the S&P 500. On balance sheet safety, Origin Bancorp, Inc. (OBK) carries a lower debt/equity ratio of 3% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OBK or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus -3. 0% for Origin Bancorp, Inc. (OBK). On earnings-per-share growth, the picture is similar: Visa Inc. grew EPS 4. 8% year-over-year, compared to -2. 0% for Origin Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OBK or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 12. 6% for Origin Bancorp, Inc. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 16. 5% for OBK. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OBK or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Origin Bancorp, Inc. (OBK) is the more undervalued stock at a PEG of 1. 31x versus Visa Inc. 's 1. 54x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Origin Bancorp, Inc. (OBK) trades at 12. 0x forward P/E versus 24. 4x for Visa Inc. — 12. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 13. 7% to $362. 45.
08Which pays a better dividend — OBK or V?
All stocks in this comparison pay dividends.
Origin Bancorp, Inc. (OBK) offers the highest yield at 1. 3%, versus 0. 7% for Visa Inc. (V).
09Is OBK or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Both have compounded well over 10 years (V: +328. 6%, OBK: +50. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OBK and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(OBK: -3.0% · V: 11.3%)Net Margin>
%
(OBK: 12.6% · V: 50.1%)P/E Ratio<
x
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